Our Why

We live mutuality by providing expanded capabilities and resources, streamlined operations and innovative growth opportunities that enable like-minded institutions to serve their customers, communities and colleagues.

Our Story

Formed in 2015, we are a member-owned holding company that provides the support and resources mutual banks need to thrive. We believe mutual banks are critical to the long-term success of the communities they serve and proudly offer those that choose to work with us a comprehensive range of services and benefits.

Benefits of Becoming a Member Bank

The many benefits of being a member bank include access to:

  • A broad suite of products and services that enable strategic growth and relevancy without the burden of development and investment
  • Shared services that create efficiencies and expand capabilities, including audit, compliance, information technology, accounting, human resources and marketing
  • Innovative technology to meet the demands of today’s consumers by focusing on increased convenience and optimal user experiences
  • Opportunities to preserve autonomy in order to prioritize local impact, gain economies of scale and achieve greater operational efficiencies

We’re helping to preserve and amplify mutual banking in communities across Ohio, Kentucky, West Virginia, Virginia and beyond.

Member Bank Headquarters

Blue Grass Federal – 600 High Street, Paris, KY 40361

First Federal Lakewood – 14806 Detroit Avenue, Lakewood, OH 44107

First Mutual Bank – 605 Washington Blvd, Belpre, OH 45714

Martinsville First – 25 W Church Street, Martinsville, VA 24112

Warsaw Federal – 3533 Warsaw Avenue, Cincinnati, OH 45205

Management Team

Our management team is united by a commitment to mutuality.

Board of Directors

Our Board of Directors proudly embodies our mission of supporting mutuality and helping communities thrive.

    Benefits of Being a Member Bank

    “It’s clear to me that the focus on customers, community and employees is at the core of our decision-making. It is a unique business model and culture, and one that will continue to drive success.”
    Timothy E. Phillips, president and CEO, First Federal Lakewood

    Learn if Affiliation is Right for Your Bank

    We are ready to help your mutual bank grow through our suite of services.